Business Details
Trusted Local Insurance Solutions in Lambton County
Lambton Mutual Company has served Lambton County and surrounding areas for over 140 years, operating as a community-focused mutual insurer. We prioritize policyholder interests through our not-for-profit structure, reinvesting excess capital into local programs or returning profits directly to clients. Our governance model features a board of directors elected from policyholders, ensuring decisions align with community needs. With a heritage dating to 1875, we combine deep industry expertise with personalized service through local agents who understand regional agricultural, residential, and commercial requirements.Our commitment to transparency manifests through clear communication, no hidden fees, and a claims process emphasizing client education and timely resolution. As active community builders, we administer scholarship programs and donate thousands annually to local initiatives, maintaining our founding principle of neighbors helping neighbors.
Services
Home Insurance
Auto Insurance
Farm Insurance
Business Insurance
Commercial Insurance
Highlights and features
- Community-focused mutual insurer reinvesting profits locally since 1875
- Policyholder-elected board ensuring community-aligned decision making
- Personalized service through 25+ local insurance agents across Lambton County
- Specialized coverage for regional agricultural, residential, and commercial needs
- Transparent claims process with dedicated client education and support
What people say
Excellent service
Amazing staff
Fast and efficient
Patient and kind
Timely and friendly
Services
Home Insurance
Our residential insurance protects homes and contents against common risks while supporting community development. Coverage includes dwelling structures, personal property, liability protection, and optional enhancements like umbrella liability. Local agents help customize policies for unique property needs, including high-value items and service line coverage. We emphasize clear communication about policy terms and maintain 24/7 availability for claims reporting through local offices.
Farm Insurance
Specialized coverage for farming operations including livestock, machinery, and crop protection. Policies address unique agricultural risks with options for loss of income coverage and equipment breakdown. Our agents understand farm-specific requirements from generations of local experience, offering tailored risk management solutions that protect both operational assets and personal property. Coverage extends to alternative energy systems and custom farming arrangements.
Business Insurance
Comprehensive protection for commercial enterprises including property damage, liability, and business interruption coverage. Policies cover buildings, office contents, income replacement, and crime protection. We offer specialized programs for retail operations, contractors, and apartment owners, with added benefits like free legal and HR consultation services for policyholders. Local agents provide risk assessments tailored to specific industry needs.
Auto Insurance
Customizable auto insurance policies covering personal and commercial vehicles. Coverage includes accident benefits, liability protection, and damage coverage with options for enhanced protection. Our claims process emphasizes clear communication about no-fault insurance principles, with local adjusters trained to handle claims efficiently while maintaining personalized support throughout repair processes.
Community Programs
Community investment programs focusing on education and local development. Our scholarship program supports community-involved students, while annual donations fund local initiatives identified through policyholder input. As a mutual insurer, we ensure surplus funds benefit local communities either through direct financial support or improved policyholder benefits rather than shareholder returns.
People
Jim DeJeu
President & CEO
Jim DeJeu leads Lambton Mutual's strategic direction with decades of insurance industry experience. He emphasizes community-focused operations and sustainable growth while maintaining the company's mutual values. Under his leadership, the company celebrated its 150th anniversary in 2025.
Scott Elliot
Board Chair
Scott Elliot serves as Board Chair, representing policyholder interests in corporate governance. With deep roots in Lambton County, he ensures strategic decisions align with community needs while maintaining financial stability.
Beth Hackett
Insurance Agent
Beth Hackett operates a local agency with 25+ years of insurance experience. She focuses on building long-term client relationships through personalized service and face-to-face consultations for home, auto, and business insurance needs.
Don Johnson
Insurance Agent
Don Johnson established his family-run agency in Thedford in 1987. He specializes in creating trusted insurance solutions for local clients, emphasizing community relationships and personalized coverage options.
Kristy Ravell
Insurance Agent
Kristy Ravell co-owns the Forest office and opened a second location in Brights Grove. She emphasizes honest advice and personalized insurance solutions, leveraging her 8+ years of experience in the family insurance business.
Questions
What insurance products does Lambton Mutual offer?
We provide home, auto, farm, and business insurance solutions tailored to Southwestern Ontario's unique needs. Our policies include specialized coverage options for agricultural operations, commercial enterprises, and residential properties.
How does Lambton Mutual's mutual structure benefit policyholders?
As a mutual insurer, we reinvest excess capital into community programs or return profits directly to policyholders. Our board of directors consists of local policyholders who make decisions aligned with community interests.
How do I file a claim?
Contact your local Lambton Mutual agent or broker to report claims. Our adjusters will guide you through the process, emphasizing clear communication about policy coverage and next steps.
What community initiatives does Lambton Mutual support?
We administer scholarship programs for community-involved students and donate annually to local initiatives. Our 150-year history includes consistent reinvestment in Lambton County and surrounding areas.
How can I get personalized insurance advice?
Visit one of our 25+ local agents across Southwestern Ontario. Our agents provide face-to-face consultations to understand your specific needs and create customized insurance solutions.
What makes Lambton Mutual different from other insurers?
We combine 140+ years of local experience with a mutual structure that prioritizes community benefits over shareholder profits. Our policyholder-elected board and local claims processing distinguish our community-focused approach.
